An average person receives about a hundred calls per month from companies trying to shove certain plans and policies that are sure to yield at some point of emergency or the other. Be it about health and medical cover, property or, life cover or, anything for that matter; the importance of the same is preached to one and all practically through every minute of every passing day. However, the efforts related to preaching and persuading ends at a certain age limit beyond which the companies find it way to risky to forward any of their plans whatsoever. In very simple words, it is time frame of birth till a few years to retirement that providers extend their best wishes to. Beyond this time frame of a person's life, there are only apprehensions and rejections that can be expected as far as getting oneself insured is concerned especially in the matters of health and medicine.

No one can challenge the fact however, that it is the golden years of a person's life when most health issues are faced by the concerned individuals and this is also the time when the latter may have no source of income at all which can fund the expensive treatments and medical procedures required to cater to the betterment of health conditions. The basic necessities of the same are usually met through the savings made over a period of time or, through pension or, both which may not be enough to cover medical issues also. While it is obvious that this is the right time when senior citizen insurance can be most applicable, this is also the time when requests for the same are rejected under numerous grounds.

To begin with, providing companies are conscious about granting benefits to this age group keeping in mind that there are maximum risks in this level. This is to say that granting a policy to an elderly would amount to a sure shot claim and that too within the very near future. At the same time, this age group is also sure to have developed some form of physical or, mental condition which may be requiring ongoing medication and treatment which the policies may be expected to shoulder when taken. Say for example, many elderly people may already be suffering from heart conditions; blood sugar or, even diabetes; bone related problems like osteoporosis, arthritis etc, some may even have undergone surgeries and extreme procedures as such requiring them to stay within a lot of care and control.

For the few senior citizens insurance that exists in the present days, they are all marked by a remarkable number of restrictions in the benefits and claims. The basics like hospitalization and associated expenses can be expected to be covered by most plans. But, the grounds under which claims can be received or, the full amount can be granted have far too many strings attached. At the same time, the cost of availing even the slightest of benefits can be sky high, which can often make such policies unreachable by many seniors. In short it can be said that while existence of such plans is a relief to many elderly people who may not have taken insurance at the right time, there is plenty of scope for improvement in the same.